AAMI Car Insurance

AAMI Car Insurance

 Verifiedaami.com.au
AAMI Car Insurance
1.8

1,864 reviews

PositivevsNegative
17% · 3241,489 · 80%
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Claim Resolution Time
  • <1 week
  • 1-2 weeks
  • 2-4 weeks
  • 1-2 months
  • 3+ months
Claim ApprovedYes · No
Value for Money
1.6
Customer Service
1.6
Timeliness
1.6
Job Satisfaction
1.5
Transparency
1.5

Reviews

1,864 reviews
ace
aceSydney3 posts
  Comprehensive
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Anonymous
Anonymous3 posts
  Comprehensive

AAMI does not reward customer loyalty

Would not recommend choosing AAMI or staying with them. The premium for comprehensive insurance has increased by approx. 30% since the previous year, and when I called to see if they can lower the cost, I was offered as $30 discount, taking my premium down from $1,060 to $1,030. This was laughable when you consider they are currently offering a $50 discount for new customers. They clearly don't care about customers that have remained loyal (the cost of my premium was already 'discounted' by $42 for 3 years of loyalty and for having a perfect driving record). Instead, I went with Bingle and saved myself about $400 (albeit with an excess that is $100 higher, but worth it when you consider the savings). Show details
Value for Money
Customer Service
Timeliness
Job Satisfaction
Transparency
dianacatherinecarreno
dianacatherinecarreno
  Comprehensive

Worst customer service

Terrible customer service. I paid for years and when I requested roadside assistance my insurance was cancelled due to the incompetence of someone. They said it was a mistake but imagine paying for years and when you needed the most just not be sure about your coverage. I had to pay someone else Show details
Arman
Arman2 posts
  Comprehensive

Worst insurance in the world

To be honest 1 star is a lot for aami.
I made a claim on 15 Dec 23 and my claim was finalised on 11 Apr 24. The worst insurance in the world. Every time you call them, you have to wait for at least 45 minutes. After four month of wait they treated me like [Content Removed]. They gave me $4000 less than my car value.
Don't waste your time and money with aami. Show details
Zak-R
Zak-RGreater Melbourne (Inner), VIC2 posts
  Comprehensive

Take your money and provide zero service

25+ minutes to answer the phone, 5 weeks to book in and see an assessor, 3 weeks to get a basic repair done. 2 months total! I will be 3 weeks without a car and need to pay $2500 in car hire.
No choice of repairer, Aami using smart capital which it majority owns. Receptionist at SMART admitted 100+ cars in the queue, and not enough staff. I will be monitoring my car movement via AirTag, I don't expect it to be touched for 2+ weeks. Aami don't care and have no empathy. Deliberately difficult to get through to a real person. Complaints line not answering. Will be cancelling ALL out policies, never again with Aami. Show details
A seasoned consumer
A seasoned consumerCanberra 2600, ACT13 posts
  Comprehensive

Price gauging

There is an attempted 30% price hike this year when nothing has changed. Does AAMI think my pension went up 30% this year? If only. Online quotes are between $400 less pa and $400 more. I think they all just make it up. Show details
Value for Money
Customer Service
Timeliness
Transparency
Vince R.
Vince R.
  Comprehensive

disgusting bunch

I am the 3rd Party involved in a simple back end smash. not at fault however its been 3 months no repairs done .Now they tell me no parts for 8 weeks at least. Never ever insure with this pack of clowns.The whole insurance system from car to property is a Hugh scam Show details
Joel B.
Joel B.
  Comprehensive
John
John3 posts
  Comprehensive

Price gouging

Expensive, overpriced insurance compared to other popular insurance companies policies.
I had been with AAMI for nearly 20 years with my full comp car insurance. Recently though I have shifted elsewhere due to a huge increase for no apparent reason over the last 12 months.
I haven’t made a claim.
But they seem to want to charge me an extra $550 for nothing.
Same old excuse - COVID, parts prices going up, wars in the world etc…
Best thing I did moving now paying less than I did 5 years ago!
Shop around every 12 months folks! Show details
Elle W.
Elle W.Greater Melbourne (Metropolitan), VIC
  Comprehensive
Value for Money
Customer Service
Timeliness
Job Satisfaction
Transparency
rachel c.
rachel c.
  Third Party Property Damage

Compliant time taken to claim

Do not insure yourself wit AAMI - they are taking forever to respond to a claim, their customer service is atrocious. They will cost you more money Show details
ASD
ASD
  Comprehensive
Shahzad R.
Shahzad R.
  Third Party Property Damage
Jane S
Jane SSydney15 posts
  Car Insurance
Mohanraj   MJ
Mohanraj MJSydney, NSW2 posts
  Comprehensive

Car insurance claim rejection

This is the worst insurance I have ever seen. They simply reject the claim by saying this does not cover mechanical issues all those stupid terms. They are not ready to fix the car or even write off saying there is a mechanical issue. The car got serviced by a mechanic and saying everything is perfect. People don't choose this insurance company at all. I will write about this all places. Show details

Questions & Answers

Stu
Stu · Car Insurance - CTP Green Slip (NSW, ACT, SA)

can I cancel a CTN slip within 24 Hours

Paul P.
Paul P. · Car Insurance

Just wanted to know why doesn’t AAMI insure a LDV Delivery 9

Di F.
Di F. · Car Insurance - Comprehensive

What is the best way to raise a complain to someone that can help at AAMI. Someone professional and can make decisions. Not a call you back and sorry and empty apologies.

LDunder
LDunder  

Don’t bother with their idr@aami.com.au team. They don’t respond. Go straight to AFCA and lodge a complaint there.

Aaron S.
Aaron S.  
See all AAMI Car Insurance questions

Details

Underwritten by the Suncorp Network, AAMI offers four car insurance policies: CTP green slip for NSW, ACT and SA, Comprehensive, Third Party Property Damage Only, and Fire, Theft and Third Party Property Damage.

Points of praise for AAMI:

  • AAMI's top score was given for its timeliness in responding to claims.
  • Friendly and personable customer service was appreciated. Two customers reported AAMI ‘going above and beyond’ by helping them generously during times of financial hardship.
  • Multiple reviewers reported that AAMI offered to organise Ubers from the repairer to and from their homes. Others enjoyed a smooth and hassle-free experience when making claims, with quick response times from AAMI.

Pain points with AAMI:

  • AAMI’s chosen repairers and roadside-assist contractors were thought to be low quality
  • Premiums increasing considerably even with no claims being made (this increase in premiums appeared to also apply to customers who had taken out multiple policies with AAMI, e.g. home and contents insurance along with car insurance).
Compare all AAMI Car Insurance listings
CategoryRoadside Assistance Providers and Car InsuranceRoadside Assistance Providers and Car InsuranceRoadside Assistance Providers and Car InsuranceRoadside Assistance Providers and Car Insurance
Other Insurance Types Offered Car, Health, Home and Contents, Income, Life, Motorcycle and PetCar, Health, Home and Contents, Income, Life, Motorcycle and PetCar, Health, Home and Contents, Income, Life, Motorcycle and PetCar, Health, Home and Contents, Income, Life, Motorcycle and Pet
Coverage TypeComprehensiveThird Party Property DamageThird Party, Fire and TheftCompulsory Third Party (CTP Green Slip)
UnderwriterAAIAAIAAIAAI
Legal Liability Cover Included up to $20 millionIncluded up to $20 millionIncluded up to $20 millionNot Included
Roadside Assistance Optional ExtraNot OfferedNot OfferedNot Offered
Reduced or Zero Excess Windscreen CoverZero Excess Optional ExtraNot OfferedNot OfferedNot Offered
Choice of RepairerNot AllowedNot AllowedNot AllowedNot Applicable
After Accident Care
Hire Car after an Incident

Not Included

Not Included

Not Included

Not Applicable

Emergency Transport & AccommodationNot IncludedNot IncludedNot IncludedNot Applicable
Towing Costs Not IncludedNot IncludedNot IncludedNot Applicable
Hire Car after a No Fault Accident

Included - must use car by AAMI provider if available and within a reasonable distance of your location. Benefit ceases when:

  • your car is repaired and returned to you; or
  • your claim is settled

Not Included

Not Included

Not Applicable

Essential / Emergency RepairsNot IncludedNot IncludedNot IncludedNot Applicable
Benefits
Pay As You Drive / Fixed Kilometre DiscountNot OfferedNot OfferedNot OfferedNot Applicable
Hire Car after Theft

Not Included

Not Included

Included up to 21 days - must use car by AAMI provider if available and within a reasonable distance of your location

Not Applicable

Lock and Key ReplacementNot IncludedNot IncludedNot IncludedNot Applicable
Transit Cover Not IncludedNot IncludedNot IncludedNot Applicable
Trailer & Caravan CoverNot IncludedNot IncludedNot IncludedNot Applicable
Child Safety Seats and PramsIncluded up to $500 per claimNot IncludedNot IncludedNot Applicable
New-for-old Car Replacement

Included, if you are the first registered owner of the car and it is less than 2 years old

Not Included

Not Included

Not Applicable

Personal Property CoverNot IncludedNot IncludedNot IncludedNot Applicable
Uninsured Motorist Benefit Not ApplicableIncluded up to $5,000Not IncludedNot Applicable
Accidental Loss or Damage
Malicious Damage / VandalismIncludedNot IncludedNot IncludedNot Applicable
FireIncludedNot IncludedIncludedNot Applicable
CollisionIncludedNot IncludedNot IncludedNot Applicable
Natural EventsIncludedNot IncludedNot IncludedNot Applicable
Theft or Attempted TheftIncludedNot IncludedIncludedNot Applicable
ManualDownload manualDownload manual
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Contact info for AAMI Car Insurance

  • ABN: 48005297807

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